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If you use Smart-ID, make sure that you have an active account in Smart-ID app and your mobile phone has Internet available (connection). Make sure that PIN1 is entered in Smart-ID app within 2 minutes of appearance of the control code.

If you use new type of PIN-calculator, make sure that during authorization you enter APPLI 1 code. If also your spouse or colleagues use PIN-calculator, make sure that you use the right one.

If you are using ID card, make sure that your computer is prepared for working with ID card (ID card software has been installed and ID card reader is working), and correct PIN is entered.

As of 1 February 2019, the travel insurance attached to the Visa Platinum credit card takes effect
automatically once you enter into the credit card agreement and remains valid until the credit card agreement is valid.

Card properties

Visa Platinum card makes your business trips and also holidays with the whole family convenient, since all trips and your
purchases have been insured by means of the card.

Price €315 per year, including:€12,90 – monthly fee of the card;€160,20 – An annual fee for an unlimited number of visits to Priority Pass lounges and for the membership of Estravel Platinum
Club (optional).

You can also select the card without an additional package by only paying a monthly fee for the card in the amount of €
12.90. In this case, the card still includes the Priority Pass membership, but you have to pay an additional fee for
visiting Priority Pass lounges (27 USD per visit). Also, this does not ensure the Estravel Platinum Club membership.

Thanks to the known and recognised trademark of Visa, you can use Platinum card everywhere in the world.

Card limit from € 2,000

The card has an up to 40-day interest-free period: interest is not calculated from the used credit limit from the
purchase until the payment date, or until the 10th day of each month. On the payment date, the used amount is
automatically withheld from the account related to the card, except in case there is no enough money for repayment. In
this case, interest starts accruing and you can repay the necessary amount later on. The interest-free period does not
apply to cash withdrawals or to Internet Bank transfers.

To make a transfer from your credit card, simply initiate a domestic payment and select your credit card limit account
from the drop-down menu. The regular price list for bank transfers applies to transfers you make from your credit card.
You cannot select your credit card limit account as the account from which to debit service charges or as the account
servicing deposit, loan, insurance, standing order or e-invoice direct debit agreements.

You can also take out extra cards for their close ones in addition to Platinum card. To order an additional card, please contact your client executive or call to our
Consultation Centre on 6 310 310.

Free parking in the car park of Swedbank’s main office.
The car park on the courtyard side of the building at Liivalaia 8 in Tallinn, access to which is via a barrier, can be used when meeting with a Personal Adviser or visiting the branch. Use of the car park for other reasons is not permitted. In order to open the barrier, slot your bank card into the card reader.

Secure internet shopping

I want that also internet shopping would be as secure as possible for you. Therefore, if you want to pay with Visa
Platinum card on the internet, you have to add the card to free service called Secure Internet.

In order to engage in secure internet shopping, you can register your card by logging in
the internet bank.

Disputing card transactions

You can dispute card transactions by calling 6 310 310 at any time or by visiting your nearest branch.

Purchasing insurance that belongs together with the card protects all durable goods within 180 days after purchase for
which you have paid with Visa Platinum card. The insurance helps if the item is stolen or lost, and also even in case it
should shatter at your fault.

Purchase insurance is offered by Swedbank P&C Insurance AS. Read more about the
policy conditions and if necessary, consult with the insurance specialist.

Sums insured

In case of purchasing insurance, there is a maximum sum insured determined for each insured item, insured event, and calendar year.

15. Emergency cash assistance in abroad in Western Union service points (8)

40EUR

16. Conversion fee for transactions in foreign currencies (10)

1% of transaction amount

17. Retrieval of bank cards from other banks from Swedbank ATMs

30
EUR

(1) The interest rate applicable to the main refinancing operations of the European Central Bank
(the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default
interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.

(2) When paying for goods or services with the private person’s Revolving credit card, the bank shall not calculate interest as from making the transaction with the respective card until the last day (incl.) of the same month, after the aforementioned period, the bank shall begin calculating interest. Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating Interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(3) When paying for goods or services with the private person’s Gold Revolving credit card, the bank shall
not calculate interest as from making the transaction with the respective card until the 10th calendar day
(incl.) of the following month, after the aforementioned period, the bank shall begin calculating interest.
Upon making a payment and withdrawing cash from the limit account, the bank shall begin calculating interest
immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(4) When paying for goods or services with the Visa Platinum Credit Card, the transaction amount is subject
to an up to 40-day interest-free period (between the date of purchase and the payment date). Upon making a
payment and withdrawing cash from the limit account, the bank shall begin calculating interest immediately, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(5) If the period between ordering Visa Platinum extra package and expiry of Visa Platinum card is less than
one year, the Bank will debit a fee for an extra package in full amount.

(6) If upon the renewal of a credit card on the basis of an application, the credit limit of the credit card
is rounded by increasing or decreasing the credit limit up to 50 € (incl.), no fee for amending the credit
limit shall be charged when increasing or decreasing the credit limit.

(7) The availability of the service in a foreign country depends on the foreign bank's ATM technical
possibilities and service can be used with MasterCard/Maestro cards.

(8) If the ordered service is canceled, the bank will not refund the service fee.

(9) The price is inclusive of VAT at the rate of 20%.

(10) Added to the amount of every transaction made with the card if the card transaction is in a currency
other than the euro.

(11) When paying for goods or services with a Business Credit Card, the transaction amount is subject to a
30day interest-free period, after which the calculation of interest starts. When withdrawing cash or making
transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(12) When paying for goods or services with a Business Gold Credit Card, the transaction amount is subject to
a 40day interest-free period, after which the calculation of interest starts. When withdrawing cash or
making transfers from credit card limit account, the calculation of interest starts at once, unless the amount of the aforementioned transactions remains within the positive balance of the limit account.

(13) The card is not issued from 20th of April 2016.

(14) A limit of 15,000 euros per month on cash deposited in ATMs will be applied to credit cards. The fee is charged on the amount that exceeds 5 000 € per calendar month and the cash is
deposited in home bank’s terminal. The service fee is client-based on the basis of calculation is a calendar
month.

(15) Service is available with Business Credit Card and Business Gold Credit Card.

Contactless payments - an even quicker way of paying by card

Swedbank’s new contactless cards allow you to make purchases to a value of up to €25 without having to slot your card into
the payment terminal or enter your PIN. You only need to tap it against the terminal. This way your everyday purchases will
be even quicker and more convenient, while being just as safe as before.

More opportunities for the same monthly fee - The new contactless feature won’t lead to any rise in the monthly fee for
bank cards.

Safe - To make a payment you need to place your card very close to the terminal, and two similar payments can’t be made
within a short period of time in a row. Random checks mean that from time to time some small purchases will need to be
confirmed using your PIN. Please do not allow the person who serves you to take the card from you.

Flexible - Should you wish to, you can easily switch the contactless feature off or on again in the Internet Bank or
Mobile Bank. To confirm this, the next time you use your card at an ATM or payment terminal you’ll have to enter your PIN.

International - Contactless payments can be made in Estonia and abroad. Since the amount you can spend in a single
contactless payment can vary from country to country, we recommend that you check out the terms and conditions of such
payments in the country you’re going to before you leave.

If making the contactless payment fails, insert the card in the terminal and enter the PIN.

If your bank card is lost or stolen, block it immediately in the mobile bank or call our Consultation Centre on 6 310 310.

Products

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary.
Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.

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